Retirement Income Solutions for you
Experienced financial guidance for the retirement you’ve always dreamed of.
We can help you move towards Retirement Bliss
At Bloom Financial, we offer personalized Retirement Income Solutions, understanding that planning for retirement can sometimes feel daunting. Our dedicated team is committed to simplifying the process, offering personalized retirement income strategies designed to meet your individual goals and needs. Let us guide you towards a retirement with a higher level of confidence and peace of mind. We help you move closer to achieving your dreams with a retirement plan tailored to your ambitious aspirations.
Retirement Simplified
We specialize in streamlining intricate financial scenarios that safeguard and enhance the fruits of your labor.
Tax Strategy
Our financial retirement planning services also prioritize minimizing tax liabilities, working alongside a tax professional to strategically position your assets and keep you in the lowest tax bracket possible.
%201.jpg)
John & De C.
Downers Grove, Illinois
Our Retirement Plan Services
At Bloom Financial, we believe that financial security in retirement comes from comprehensive, personalized planning. Our suite of services is designed to address the unique goals and needs of each individual, ensuring a secure and flexible retirement plan. Starting from scratch or refining your existing strategy, we're here to help with the following retirement income solutions:
Roth IRAs
Enjoy tax-free growth and withdrawals with a Roth IRA, a popular option for those seeking long-term savings and flexibility in retirement.
Roth IRA Conversions
Convert your traditional IRA into a Roth IRA to take advantage of tax-free distributions in the future, securing greater flexibility for retirement income.
Tax Planning
Strategic tax planning is critical to maximizing your retirement savings. Our team will help you reduce tax liabilities now and in the future through tailored retirement income solutions.
Annuities
Combine the stability of regular, guaranteed income with the tax advantages of annuities. We offer various types to match your risk tolerance and retirement goals.
IRAs (Traditional and Roth)
Immediate tax deductions or future tax-free withdrawals—our guidance helps you select the right IRA for your needs.
401(k) Plans
We assist both employers and employees in optimizing 401(k) plans to maximize retirement savings, often with employer-matching benefits.
Simple IRAs
Ideal for small businesses, these plans offer a low-cost, easy-to-manage way to help employees save for retirement.
SEP IRAs
Best suited for self-employed individuals or small business owners, SEP IRAs allow higher contributions than traditional IRAs, offering a powerful savings tool.
Backdoor Roth IRA
For high-income earners, a backdoor Roth IRA provides a unique way to enjoy the benefits of a Roth IRA by converting traditional IRA contributions.
Estate Planning
Secure your legacy and protect your assets for future generations through careful estate planning. We work with you to minimize taxes and ensure your estate is distributed according to your wishes.
Inheritance Planning
Ensure that your loved ones inherit your assets in the most tax-efficient manner possible, preserving wealth for future generations.
Inherited IRAs
We guide beneficiaries through the complex rules of inherited IRAs, helping them manage distributions while minimizing tax implications.
401(k) Rollovers
When changing jobs or retiring, we assist in rolling over your 401(k) into an IRA or other plan, maintaining the tax advantages and avoiding penalties.
Lifestyle Planning
Retirement is not just about finances; it’s about your desired lifestyle. We work with you to create a plan that allows you to live the retirement you’ve always envisioned.
Long Term Care Planning - noting
This is the one planning item that most retirees miss and there are simple and easy solutions to help you protect your estate
Comprehensive Retirement Income Solutions
We specialize in streamlining intricate financial scenarios, employing a comprehensive strategy centered around health, longevity, and overall well-being. Our retirement income solutions are designed to ensure long-term financial stability while also incorporating legacy planning. We proactively identify and resolve potential issues to guarantee your readiness for the future, allowing you to enjoy peace of mind.
Structure Creates Sovereignty
Bill’s philosophy is simple:
Portfolios fluctuate.
Structures endure.
His work focuses on building the systems, governance, tax architecture, liquidity engineering, legacy structures, and multi-decade planning frameworks, that protect dynasties from the failures that destroy generational wealth.
Where traditional advisors optimize returns, Bill optimizes control, continuity, and advantage.
Architectural Disciplines
1. Sovereign Wealth Architecture Designing multi-layered financial infrastructures for families operating across entities, trusts, businesses, and legacy assets.
2. Dynastic Continuity Systems Ensuring that wealth, decision-making, and governance transition seamlessly from first generation to third.
3. Capital Immunity & Tax Architecture Identifying and neutralizing long-term erosion forces that undermine UHNW families — and repositioning structures for asymmetrical advantage.
4. Legacy Infrastructure Engineering Integrating investments, trusts, insurance structures, and governance into one cohesive dynasty system.
Signature Innovations
Retire As You Desire® Income Architecture
Bill developed an income planning framework that reshaped how families approach long-term financial stability.
Diane Money®His consumer-facing technology platform that brought clarity and structure to tens of thousands of households demonstrating Bill’s ability to engineer scalable financial systems.
Best-Selling Author (4x)Bill’s books reflect his commitment to empowering families with clarity, intention, and long-term thinking. Presented not as mass-market tools but as extensions of his philosophy on structure, behavior, and continuity.
Why is Bloom Financial a unique kind of Financial Advisor?
If you want excellent service and personalized financial advice tailored to your needs, you're in the right place.
There's no need to settle for average guidance.
At this stage, it's time to elevate the experts on our team.
Receive impartial advice from someone who shares wealth and business strategies based on firsthand experience.
What makes us different?
At Bloom Financial you will find many things that make us different. Here are some that make us top in class. We
- Created the Retire As You Desire® Lifetime Retirement Income Plan
- Helped thousands of people to understand what it takes to retire with confidence.
- Investing in the same stocks that our clients do.
- Retirement Income Certified Professionals®
- Bill Bloom is a 4x Best-Selling Amazon Author: "Retire As You Desire®", "The Yachter's Guide to Early Retirement", "Money Habits For Success" and "The Your Money Journal".
- The founder spearheaded the launch of Diane Money®, bringing this innovative financial platform to market.
What our clients have to say
Discover how our retirement planning services have empowered individuals to enjoy more financial security and peace of mind which we can never truly do.
Linda L.
Orland Park, Illinois
Robert K.
Downers Grove, Illinois
Gary Z.
Crest Hill, Illinois
Experienced Guidance to Help You Build Financial Peace of Mind
Retirement planning encompasses numerous complexities, from navigating market volatility and rising healthcare costs to ensuring a secure legacy through wills and trusts, all while optimizing tax efficiency. Considering all these multifaceted challenges, having a dedicated retirement advisor to guide you through effective retirement income solutions becomes essential to achieving long-term financial security.
-CNBC
FAQs
Answers to some of your financial questions
When is the best time to start my Social Security Income?
How long could my money last me in retirement?
When can I retire? Am I going to be able to retire?
How often will we meet?
Will my retirement income be enough?
Contact us
Let us guide you to the retirement you deserve. From greater peace of mind to ongoing care, we're ready to lend a hand.
Email us
Call our office
